Ruston, LA home prices
Typical home $224,801 · +2.5% in a year · income needed $60,400
The Ruston, LA metro area ranks 547 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +2.5% in a year and +8.5% over five years. With 20% down at 7.11%, the typical home costs about $1,409 a month including 0.46% property tax (Lincoln Parish rate).
Mortgage on the typical Ruston home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $44,960 | $179,841 | $1,210 | $0 | $199 | $1,409 | $60,400 |
| 10% down | $22,480 | $202,321 | $1,361 | $84 | $199 | $1,644 | $70,500 |
| 5% down | $11,240 | $213,561 | $1,437 | $89 | $199 | $1,725 | $73,900 |
| 3.5% down (FHA) | $7,868 | $220,729 | $1,485 | $99 | $199 | $1,783 | $76,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.46% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Counties in the Ruston area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Lincoln Parish, LA | $224,803 | +2.5% | 0.46% |
What can you afford in Louisiana on your salary? · Louisiana home prices · Salaries in Louisiana
Frequently asked questions
How much is a house in Ruston?
The typical home in the Ruston, LA metro area is worth $224,801 (Zillow, September 2026).
What salary do you need to buy a house in Ruston?
About $60,400 a year for the typical home with 20% down at 7.11%.